Requiring a certain insurance policy issued, sold, or delivered in the State to be construed to make the insurer directly liable, within the terms and limits of the policy, to certain third-party claimants; providing that a third-party claimant has a right of direct action against a certain insurer subject to certain requirements; authorizing a third-party claimant to bring an action against the insurer alone or the insurer and the insured jointly under certain circumstances; applying the Act prospectively; etc.